Life Policy ProvisionsQuestion 158 of 716
If an applicant misstates their age on a life insurance application and the error is discovered after death, what action does the misstatement-of-age provision require?
a.The policy is rescinded as void from inception and every premium paid is refunded to the beneficiary
b.The full face amount is paid regardless of the misstatement, because age is never a material fact
c.The benefit is adjusted to the amount the paid premium would have purchased at the correct age
d.The insurer denies the claim outright and treats the misstatement as intentional fraud
Explanation
Under the misstatement-of-age (and sex) provision, the policy is not voided. Instead, the death benefit is adjusted to the amount that the actual premium paid would have purchased had the correct age (or sex) been used at issue.
Law Reference: Cal. Ins. Code §10113This topic, taught in full in the California Life & Health Insurance Producer Exam guide. California Life & Health Insurance Producer Exam — Complete Study Guide (2026) — PDF + EPUB, $19.99 · 14-day refund →
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PrepPass team · Verified against California Life & Health Insurance License Exam · How we review
Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)